Remind yourself to be free from debt like passover seder
WHAT are the 4 questions in ‘Passover Seder”? Passover Seder is a ritual feast held in the homes of Jewish people as part of the Passover celebration. They celebrate this…
Category: Consumer Columnists
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12 easy ways to attract an audit
WHILE there are no guarantees to avoid an audit, there are creative ways to attract one. Below are 12 easy ways to increase your audit profile. Try any combination to…
Time off or ‘Comp time’ as alternative to overtime pay
Q: I WORK as an hourly employee for a private business. There are days when I work more than 8 hours per day. However, instead of paying me overtime, my…
When mortgage rates are these low, take advantage
YOU can’t hear enough about the fact that mortgage rates are at record lows! Its absolutely true, I have been in the mortgage and RE business for over 25 years…
Are you sinking deeper into debt every month?
IF YOU are searching for debt reduction solutions, no doubt you’ve been inundated with advertisements for various debt management programs, companies and solutions. The choices seem confusing to the average…
Heavy debt problems are light compared to Book of Lamentations
PEOPLE with heavy debt think that they have serious problems in life that are almost unbearable. “Attorney, we can’t sleep because our creditors are hounding us day and night! They…
Employing your children in summer
IF YOU run your own business, consider employing your children this summer vacation. Employing your children gives you a triple benefit: 1. It teaches your children the virtue of work…
Caregivers to recover over $1.5 million in unpaid wages
BEDFORD Care Group, Inc., a company that operates six assisted living facilities in Fresno County, was recently cited by the labor agency, for violating California’s employment laws including unpaid minimum…
NEW HARP refi for owner- occupied or rental property that is upside down
“Homes that are under water have only a few option to refinance their mortgages, the HARP programs is probably your best bet but it’s not for everyone and there are…
Chapter 13 can help avoid pain of foreclosure
FILING Chapter 13 bankruptcy is often a last resort for people in foreclosure when no other options exist. A lot of homeowners usually put off making this decision for a…
Use the Sword of God and Gideon on your debts
DEBTS are a big headache for many people. In my last article, I suggested that if you had problems with debt you should rely on Psalm 23 for comfort. It…
At 60, do I still want to own a house?
CALLER: Hi Ken, I have been following your columns for many years and they are very informative and delightful. I am turning 60 and want to buy a home again….
Should a husband and wife place rental properties into an LLC?
Background A LIMITED Liability Company is referred to as “LLC.” A husband and wife can form an LLC for their real estate properties. You can choose the type of entity…
Helping consumers fight insurance bad faith
WHEN insurance companies issue a policy, they promise that they will take care of their policyholders when they suffer a serious loss to their home, their car, or their health….
Stay healthy and save money with preventative dental care
Many people admit that they only visit the dentist when they feel something is wrong. If you don’t wait until it’s too late, your visit can be comfortable and convenient….
Chapter 13: Make your home and debt payments more affordable
CHAPTER 13 is the section of the US Bankruptcy Code that allows individuals in the United States to reorganize their finances. If you are having difficulty paying your debts (credit…
Damage intentionally caused to foreclosed house not dischargeable
“ As already explained, there is no question that the debtor subjectively intended to cause injury to INB’s interest in the residence. The debtor admitted to being involved in removing…
Should you form an LLC?
A LIMITED Liability Company (LLC) is a new form of hybrid business association that combines the advantages of a corporation with the flexibility of a partnership. Let’s explore the advantages…
Handling serious injuries or a wrongful death
ACCIDENTS that result in serious injuries affect the injured person and his/her family in significant ways. Rights to medical treatments, including who should pay for past and future medical expenses,…
Mediating mouth misery
Whether it’s a sports injury, a slip and fall, or perhaps a confrontation with a boxing wannabe, you or someone in your company may suffer the bad luck of having…
Are your finances out of control?
FOR a lot of people, financial concerns can be their number one cause of stress. We are living in difficult financial times and a lot of people are worried about…
Troubled by debt? Seek comfort in Psalm 23
SUFFERING is part of the human condition. Adam and Eve introduced pain and suffering to mankind when they ate of the forbidden fruit. Adam blamed Eve for convincing him to…
How to avoid IRS audits in 2013
1. E-FILE. When you e-file, your chance of getting an error notice from the IRS is significantly reduced. Besides, it’s faster. Your refunds arrive sooner. 2. Check your occupation. Your…
Protecting your rights under a disability insurance
A DISABILITY insurance policy pays benefits when you are unable to work because of injury or illness. This allows you to meet your financial obligations, such as mortgage payments, or…
Dream homes maybe more of an illusion
HOUSES may not be homes, but homes could certainly be houses people live in. What happened in this previous housing crisis taught us an important lesson. Economic and demographic changes…
Should employees be paid for time spent on security checks at work?
LAST month, we discussed how unpaid wages were sought in a class action lawsuit filed against Dole Food Company by employees who claimed they were not paid for the time…
Looking back: The unfolding of the real estate crisis
I HAVE recently been following this website called, SellYourHome.com it has a lot of interesting topics about the real estate industry including a certain topics about homeowners in need of…
Can BK trustee sell debtor's father's house if debtor's name is on title?
SOMETIMES parents put their children’s names on title to their residence even if the parents intend to keep the residence as their own as they continue to pay all expenses…
Deal with debt problems now or you may regret later
YOUR debt problems may be undeniable. You know they are there and they will not go away until you do something about them. Perhaps at some point, you took the…
Suffering because of too much debt? Think of the sufferings of Job
MANY clients tell me that they cannot sleep and suffering much because their creditors are hounding them day and night. The IRS has garnished their wages. They are being sued…